Will homeowners insurance cover dog bite injury?

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Asked July 21, 2010

1 Answer


You will need to read your policy to find out exactly how it treats animal attacks. Most homeowners insurance will cover animal liability on your property, and you can purchase an animal liability rider if it is not automatically included. This would protect you against the costs associated with damages caused by the dog, medical fees and rehabilitation, and any legal costs that result from the attack.

Some breeds of dogs are considered a higher risk factor than others by insurance companies. Just about any breed of bull dog, for example, may be specifically excluded from your insurance policy, or result in an increase in your homeowner's insurance premiums.

One dog bite claim will not result in severe homeowners insurance problems. A habit of filing claims related to such attacks can make it difficult to get homeowners insurance. Pet attacks are a serious issue and costly issue, and homeowners insurance companies do not want to be the default liability for dangerous animals.

If you plan to breed dogs, it is probably a good idea to get an animal liability insurance policy rather than try to add the dogs to your homeowners insurance. This would allow you to manage the insurance risks related to "dangerous" breeds in a fluid manner that offers you the best protection at minimum cost.

Answered July 21, 2010 by Anonymous

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